Dh has a Discover card reporting on his report, disputed as 'not mine' came back verified, which we know is ABSOLUTELY impossible because its not his card, he is a junior and conviently a month or two ago when Sr. passed away, it showed up on Jr.'s (DH) report!! Question is what should we do DV the OC?1-2 punch sounds good but that only applies to CA's right? PLus I heard Discover is a PITB to deal with....Suggestions, please!
you can write a letter CMRRR to the Oc and explain your situation and mention that you feel there has been an error. with an OC you want to request Verification not validation and you do so under the FCBA as well. since this is a cc acct. request the following : copy of signed contract date acct was opened current status copies of statements showing charges and balances. proof of all ID inc, address then write another letter addressed to the CRA and explain the situation inform them you have a " MIXED FILE " and you need them to re-investigate the acct as the furnisher can not verify your identity( hopeful this will prompt a true investigation for them and a deletion and not just an update or frivolus notice hope this helps
Which CRA verified it? Also, you want to demand in your letter to the CRA to dispute the trade line, that they comply with Johnson v. MBNA and demand that the DATA FURNISHER PERFORM A CONCLUSIVE VERIFICATION, not just a cursorary review of their computer system; because of what Fun said...
